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  • pblakeney
    pblakeney Posts: 27,329
    rjsterry wrote:
    PBlakeney wrote:
    rjsterry wrote:
    Meh. Who wants to retire?
    Keep working and paying taxes to cover my retirement.
    Good man!
    You're welcome. Hope you're not just relying on that. I've always assumed that the state pension would be negligible by the time I was old enough to draw it.
    Me too. But if it still exists then it could be the difference between a week cycling in Mallorca, or the Peak District. Keep up the good work. Personally, I'm looking forward to having the time to be able to cycle when I choose.
    The above may be fact, or fiction, I may be serious, I may be jesting.
    I am not sure. You have no chance.
    Veronese68 wrote:
    PB is the most sensible person on here.
  • rjsterry
    rjsterry Posts: 29,556
    mamba80 wrote:
    rjsterry wrote:
    PBlakeney wrote:
    rjsterry wrote:
    Meh. Who wants to retire?
    Keep working and paying taxes to cover my retirement.
    Good man!
    You're welcome. Hope you're not just relying on that. I've always assumed that the state pension would be negligible by the time I was old enough to draw it.

    My current company pension, in which i ve paid in 6/6% with my employer (for the last 12 years) pays me about 1/3rd of the value of the current state pension, assuming i keeping working for another 15years, in fact unless i live to 83, i wont even get back what has been paid in.
    Pensions are a bit of con tbh.

    Maybe i should borrow at such historical low rates and go into property? lol! whatever happened to austerity and living within our means? :wink:

    http://www.bbc.co.uk/news/business-41714128

    I m sure thats another Labour Marxist policy they ve pinched?

    Certainly not all pensions are equal. Like most things it pays to shop around and move if you can do better elsewhere.
    1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
    Pinnacle Monzonite

    Part of the anti-growth coalition
  • Stevo_666
    Stevo_666 Posts: 61,417
    mamba80 wrote:
    rjsterry wrote:
    PBlakeney wrote:
    rjsterry wrote:
    Meh. Who wants to retire?
    Keep working and paying taxes to cover my retirement.
    Good man!
    You're welcome. Hope you're not just relying on that. I've always assumed that the state pension would be negligible by the time I was old enough to draw it.

    My current company pension, in which i ve paid in 6/6% with my employer (for the last 12 years) pays me about 1/3rd of the value of the current state pension, assuming i keeping working for another 15years, in fact unless i live to 83, i wont even get back what has been paid in.
    Pensions are a bit of con tbh.
    Have you factored in the tax deductions you are getting for your pension contributions? After all, you are a higher rate tax payer.
    "I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]
  • rjsterry
    rjsterry Posts: 29,556
    Stevo 666 wrote:
    mamba80 wrote:
    rjsterry wrote:
    PBlakeney wrote:
    rjsterry wrote:
    Meh. Who wants to retire?
    Keep working and paying taxes to cover my retirement.
    Good man!
    You're welcome. Hope you're not just relying on that. I've always assumed that the state pension would be negligible by the time I was old enough to draw it.

    My current company pension, in which i ve paid in 6/6% with my employer (for the last 12 years) pays me about 1/3rd of the value of the current state pension, assuming i keeping working for another 15years, in fact unless i live to 83, i wont even get back what has been paid in.
    Pensions are a bit of con tbh.
    Have you factored in the tax deductions you are getting for your pension contributions? After all, you are a higher rate tax payer.
    I'd forgotten that. 12% of a higher rate salary ought to do a bit better than that, mind you 12 years isn't very long.
    1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
    Pinnacle Monzonite

    Part of the anti-growth coalition
  • mamba80
    mamba80 Posts: 5,032
    Not for long, requested a 4 day week and got it :) another year and i m going to leave employment for good.

    what matters is what the predicted pension is and its poor(based on paying in for another 17years..... cant move it as its a company one, got a final salary one that is decent and pays out from 55yo... even though frozen many years ago.

    Fortunately the tories are still wedded to the triple lock!
  • rick_chasey
    rick_chasey Posts: 75,661
    https://www.theguardian.com/politics/20 ... aloud-orgy

    so none of us will be MPs any time soon...
  • Stevo_666
    Stevo_666 Posts: 61,417
    rjsterry wrote:
    Stevo 666 wrote:
    mamba80 wrote:
    rjsterry wrote:
    PBlakeney wrote:
    rjsterry wrote:
    Meh. Who wants to retire?
    Keep working and paying taxes to cover my retirement.
    Good man!
    You're welcome. Hope you're not just relying on that. I've always assumed that the state pension would be negligible by the time I was old enough to draw it.

    My current company pension, in which i ve paid in 6/6% with my employer (for the last 12 years) pays me about 1/3rd of the value of the current state pension, assuming i keeping working for another 15years, in fact unless i live to 83, i wont even get back what has been paid in.
    Pensions are a bit of con tbh.
    Have you factored in the tax deductions you are getting for your pension contributions? After all, you are a higher rate tax payer.
    I'd forgotten that. 12% of a higher rate salary ought to do a bit better than that, mind you 12 years isn't very long.
    Anyone on higher rate tax should be able to get at least 40% back if they judge their annual contributions right - or more if your deductions take you down through the income band where you lose your personal allowance between £100k - £120k and the effective tax rate is more like 60%. Very efficient form of saving for some.
    "I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]
  • rjsterry
    rjsterry Posts: 29,556

    Depends whether you're daft enough to post stuff on a public forum that you'd rather wasn't public.
    1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
    Pinnacle Monzonite

    Part of the anti-growth coalition
  • Didn't he say something unpalatable recently that got ppl looking into his past comments? I'm sure BBC news said that or something like that. So if you're a homophobic misogynist with a past history of dodgy comments learn from this guy and refrain from making any dodgy comments once in the public eye.
  • PS at least he never said anything antisemitic! Are you sure he's a labour mp? Doesn't sound like one to me.
  • Stevo 666 wrote:
    Anyone on higher rate tax should be able to get at least 40% back if they judge their annual contributions right - or more if your deductions take you down through the income band where you lose your personal allowance between £100k - £120k and the effective tax rate is more like 60%. Very efficient form of saving for some.

    Unless you get over £230,000 including company pension contributions/salary sacrifice.

    (I wish I had that problem.)
  • rick_chasey
    rick_chasey Posts: 75,661
    Presume Tories who crow about current Labour’s affinity or softness on communism are eminently comfortable with their own MPs wanting lists of lecturers who cover Brexit & their material.


    Let alone the fact the w*nker won’t even pay his tuition fee for all the work.

    Can you imagine their outcry if it was a Labour MP asking?
  • Presume Tories who crow about current Labour’s affinity or softness on communism are eminently comfortable with their own MPs wanting lists of lecturers who cover Brexit & their material.


    Let alone the fact the w*nker won’t even pay his tuition fee for all the work.

    Can you imagine their outcry if it was a Labour MP asking?

    Leadsom is backing him :shock:
  • rick_chasey
    rick_chasey Posts: 75,661
    Lunatics have definitely taken over the asylum.
  • rjsterry
    rjsterry Posts: 29,556
    TBF, TM has already disowned this and Jo Johnson is trying to clear up the mess. Odd that CHH should not think this was likely to blow up in his face.
    1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
    Pinnacle Monzonite

    Part of the anti-growth coalition
  • briantrumpet
    briantrumpet Posts: 20,366
    edited October 2017
    rjsterry wrote:
    TBF, TM has already disowned this and Jo Johnson is trying to clear up the mess. Odd that CHH should not think this was likely to blow up in his face.
    Well, I can only assume that CHH isn't very bright, not realising that it would be rebutted by vice chancellors & all academics, and that it was going to be used against him. Leadsom's reasoning that it was fine because it was a perfectly polite letter (while ignoring the threatening intent behind it) reinforce the impression that she's not very bright either.
  • mamba80
    mamba80 Posts: 5,032
    rjsterry wrote:
    TBF, TM has already disowned this and Jo Johnson is trying to clear up the mess. Odd that CHH should not think this was likely to blow up in his face.

    ...only cause they ve been caught out? Jo Johnson was hardly damming in his criticism this morning, almost every opportunity was slope shouldered with "you ll have to ask him..."

    why he did it? and Leadsoms support...arrogance, brexit has emboldened people to say what they really think and get away with it, lets see if he loses his job.
  • rick_chasey
    rick_chasey Posts: 75,661
    I do wonder what the vast majority of Tory voters actually think about of all this.

    Cant imagine the pro business, “leave us all alone” type is remotely happy with what’s going on.
  • pblakeney
    pblakeney Posts: 27,329
    I do wonder what the vast majority of Tory voters actually think about of all this.

    Cant imagine the pro business, “leave us all alone” type is remotely happy with what’s going on.
    Perfectly fine as long as "we" are being left alone and it is "they" who are being harassed.
    As usual...
    The above may be fact, or fiction, I may be serious, I may be jesting.
    I am not sure. You have no chance.
    Veronese68 wrote:
    PB is the most sensible person on here.
  • Stevo_666
    Stevo_666 Posts: 61,417
    Stevo 666 wrote:
    Anyone on higher rate tax should be able to get at least 40% back if they judge their annual contributions right - or more if your deductions take you down through the income band where you lose your personal allowance between £100k - £120k and the effective tax rate is more like 60%. Very efficient form of saving for some.

    Unless you get over £230,000 including company pension contributions/salary sacrifice.

    (I wish I had that problem.)
    You're right. That's why I said for some people - didn't want to go into all the permutations tbh.
    "I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]
  • Stevo 666 wrote:
    Stevo 666 wrote:
    Anyone on higher rate tax should be able to get at least 40% back if they judge their annual contributions right - or more if your deductions take you down through the income band where you lose your personal allowance between £100k - £120k and the effective tax rate is more like 60%. Very efficient form of saving for some.

    Unless you get over £230,000 including company pension contributions/salary sacrifice.

    (I wish I had that problem.)
    You're right. That's why I said for some people - didn't want to go into all the permutations tbh.

    It's way more complicated that it needs be. Threshold income, adjusted income, tapering allowance, carried forward allowance, lifetime allowance. Maybe they should make it a lifetime allowance only - once you go over that, you're probably going to be OK on your own without further tax relief.
  • Presume Tories who crow about current Labour’s affinity or softness on communism are eminently comfortable with their own MPs wanting lists of lecturers who cover Brexit & their material.


    Let alone the fact the w*nker won’t even pay his tuition fee for all the work.

    Can you imagine their outcry if it was a Labour MP asking?

    The outcry is mainly from those who have been exposed by this letter.

    Their response demonstrates they have something to hide. Why is that?

    As Brexit has not happened yet(you keep reminding us that!), there cannot be much material for lectures on this. Unless they are using lectures to further their political beliefs rather than providing balance. It's not like it is obvious that universities have an anti-conservative and anti-Brexit bias.

    As one MP said, the response to letter shows the universities have been 'rumbled'
  • rick_chasey
    rick_chasey Posts: 75,661
    Presume Tories who crow about current Labour’s affinity or softness on communism are eminently comfortable with their own MPs wanting lists of lecturers who cover Brexit & their material.


    Let alone the fact the w*nker won’t even pay his tuition fee for all the work.

    Can you imagine their outcry if it was a Labour MP asking?

    The outcry is mainly from those who have been exposed by this letter.

    Their response demonstrates they have something to hide. Why is that?

    As Brexit has not happened yet(you keep reminding us that!), there cannot be much material for lectures on this. Unless they are using lectures to further their political beliefs rather than providing balance. It's not like it is obvious that universities have an anti-conservative and anti-Brexit bias.

    As one MP said, the response to letter shows the universities have been 'rumbled'

    Why do you think what is taught at universities is MP business?
  • Their response demonstrates they have something to hide. Why is that?

    That's a way of thinking that can lead to a lot of bad things.
  • bompington
    bompington Posts: 7,674
    Their response demonstrates they have something to hide. Why is that?

    That's a way of thinking that can lead to a lot of bad things.
    Are you now or have you ever been a remainer?
  • Presume Tories who crow about current Labour’s affinity or softness on communism are eminently comfortable with their own MPs wanting lists of lecturers who cover Brexit & their material.


    Let alone the fact the w*nker won’t even pay his tuition fee for all the work.

    Can you imagine their outcry if it was a Labour MP asking?

    The outcry is mainly from those who have been exposed by this letter.

    Their response demonstrates they have something to hide. Why is that?

    As Brexit has not happened yet(you keep reminding us that!), there cannot be much material for lectures on this. Unless they are using lectures to further their political beliefs rather than providing balance. It's not like it is obvious that universities have an anti-conservative and anti-Brexit bias.

    As one MP said, the response to letter shows the universities have been 'rumbled'

    Why do you think what is taught at universities is MP business?

    It's everyone's business if the subject matter is political. That an MP asks the question on behalf of the electorate is the MP doing his job.

    In the same way I would have no problem a Labour MP asking, say Oxford, for the political syllabus covering the Thatcher years or a conservative MP asking for the same for the Blair years.
  • bompington
    bompington Posts: 7,674
    It's everyone's business if the subject matter is political. That an MP asks the question on behalf of the electorate is the MP doing his job.

    In the same way I would have no problem a Labour MP asking, say Oxford, for the political syllabus covering the Thatcher years or a conservative MP asking for the same for the Blair years.
    It's funny, the totalitarian threat implied in the letter is so aligned with your own way of thinking it's transparent to you, isn't it?
  • rick_chasey
    rick_chasey Posts: 75,661
    Presume Tories who crow about current Labour’s affinity or softness on communism are eminently comfortable with their own MPs wanting lists of lecturers who cover Brexit & their material.


    Let alone the fact the w*nker won’t even pay his tuition fee for all the work.

    Can you imagine their outcry if it was a Labour MP asking?

    The outcry is mainly from those who have been exposed by this letter.

    Their response demonstrates they have something to hide. Why is that?

    As Brexit has not happened yet(you keep reminding us that!), there cannot be much material for lectures on this. Unless they are using lectures to further their political beliefs rather than providing balance. It's not like it is obvious that universities have an anti-conservative and anti-Brexit bias.

    As one MP said, the response to letter shows the universities have been 'rumbled'

    Why do you think what is taught at universities is MP business?

    It's everyone's business if the subject matter is political. That an MP asks the question on behalf of the electorate is the MP doing his job.

    In the same way I would have no problem a Labour MP asking, say Oxford, for the political syllabus covering the Thatcher years or a conservative MP asking for the same for the Blair years.

    :shock:

    You really are Leninist.
  • bompington wrote:
    It's everyone's business if the subject matter is political. That an MP asks the question on behalf of the electorate is the MP doing his job.

    In the same way I would have no problem a Labour MP asking, say Oxford, for the political syllabus covering the Thatcher years or a conservative MP asking for the same for the Blair years.
    It's funny, the totalitarian threat implied in the letter is so aligned with your own way of thinking it's transparent to you, isn't it?

    The institutions that provide education, civil service, military, etc should avoid political bias while performing their job functions and be accountable to that at any time. Allowing these institutions to go unchecked regarding political bias risks there being future problems.

    As I said, with Brexit still in its infancy there should be little material to lecture on this matter and this would have been the mature response I would expect from these institutions, rather than what we got which comes across as if they have something to hide.
  • rick_chasey
    rick_chasey Posts: 75,661
    bompington wrote:
    It's everyone's business if the subject matter is political. That an MP asks the question on behalf of the electorate is the MP doing his job.

    In the same way I would have no problem a Labour MP asking, say Oxford, for the political syllabus covering the Thatcher years or a conservative MP asking for the same for the Blair years.
    It's funny, the totalitarian threat implied in the letter is so aligned with your own way of thinking it's transparent to you, isn't it?

    The institutions that provide education, civil service, military, etc should avoid political bias while performing their job functions and be accountable to that at any time. Allowing these institutions to go unchecked regarding political bias risks there being future problems.

    As I said, with Brexit still in its infancy there should be little material to lecture on this matter and this would have been the mature response I would expect from these institutions, rather than what we got which comes across as if they have something to hide.
    So you are comfortable with politicians deciding what is politically biased?